Condominium insurance is unique. Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas. Condo owners are generally responsible for their unit's interior, things like floors, walls, cabinets, and fixtures that your association's insurance likely doesn't cover. We can help you find the best Condominium insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.
It’s essential to understand what your coverage options are — not just for your condominium unit, but for you, and to others.
Condo Insurance is especially important because damage to your unit doesn’t affect just you, but it affects your neighbors in your building or complex, too.
Be sure to consult your HOA agreement to determine what the Association policy covers and what your responsibility. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Here are some specific benefits of Condominium – HOA insurance:
Your Condo Unit is the center of your world — the place where family and friends meet and memories are made.
Condo insurance works similarly to single-family homeowner’s insurance, but it’s usually a little more customizable. You may decide that you only want to buy personal property and liability insurance if your homeowner’s association covers your dwelling insurance.
A few coverages that are available through most policies as either required or optional protections and includes:
Customers who need condo insurance may need special coverage for their jewelry collection like engagement rings, wedding bands, and diamond bracelets. We can help you with a jewelry insurance policy to cover your valuables.
Condo, HOA insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence condo insurance rates.